Get up to 25% cash back on thousands of HealthyFood products

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1 Get up to 25% cash back on thousands of HealthyFood products About the HealthyFood benefit Discovery Vitality aims to make eating healthily easier with the HealthyFood benefit. You can get up to 25% cash back on a range of foods including vegetables, fruit, starchy foods, lean protein, fat-free dairy products, legumes and healthy fats and oils at Pick n Pay or Woolworths. These foods are selected to address high risk dietary practices that are associated with noncommunicable diseases such as diabetes, high blood pressure and high cholesterol. So, with the HealthyFood benefit you can enjoy a variety of HealthyFood items for better health and you ll get great savings too. The cash back you get depends on whether the main member and spouse (if applicable) have completed both health assessments. Who may use the benefit Vitality members 18 years and older can activate the benefit. When you activate the HealthyFood benefit, you agree that Discovery Vitality, Pick n Pay and Woolworths may share your payment and personal information to administer the benefit effectively. What you pay You do not pay any fees for the HealthyFood benefit apart from your monthly Vitality fee.

2 How to activate the benefit Step 1: Activate the benefit online and get up to 10% cash back at both Pick n Pay and Woolworths. Step 2: Choosing your main HealthyFood partner When you activate the benefit, you choose which of the two partner stores you want as your main HealthyFood partner. You can still earn up to 10% cash back at the other partner. Only the main member can choose the main partner when activating the HealthyFood benefit or change the main partner once every 12 months. Step 3: You can get more back by doing health assessments Cash back percentage Up to 10% Up to 15% Up to 25% Where you can earn it At both partner stores just by activating At your main partner if you find out your Vitality Age online. (You can also get up to 10% back at the other partner). At your main partner if you complete a Vitality Health Check at an accredited pharmacy in the Vitality Wellness Network. (You also get up to 10% back at the other partner). Step 4: Swipe before you spend You must ensure the cashier swipes your card at the partner store before they ring up your purchases. If the cards are not swiped at the till before the sale is processed, you will not get the HealthyFood cash back. You cannot claim afterwards for purchases. At Pick n Pay: Swipe your Discovery Card twice at Pick n Pay once before the cashier rings up your purchases and again to pay.

3 If you do not have a Discovery Card, we will post your Vitality Pick n Pay HealthyFood card to you within three weeks. Remember to swipe your Vitality Pick n Pay HealthyFood card at any Pick n Pay till before the cashier rings up your purchases to make sure you get your HealthyFood cash back. Please sign the back of your Vitality Pick n Pay HealthyFood card before you use it. If you lose your Vitality Pick n Pay HealthyFood card, you can order a new card online or by calling At Woolworths: Once you have activated the HealthyFood benefit at Woolworths, your Woolworths card will automatically be linked to the HealthyFood cash back. This includes the Woolworths WRewards card or MySchool MyVillage MyPlanet card. Remember to contact Woolworths on to confirm that your ID number has been linked to your Woolworths card, to ensure that you receive your cash back. If you have a MySchool card, you will need to give them permission to share your personal information before you activate the HealthyFood benefit. Visit Or apply for a Woolworths WRewards card online. The HealthyFood benefit is not available at Woolworths Foodstops at Engen. Rules about the card Only the person whose name is on the card may use it. It is fraud for any other person to use the card, whether with your permission or not. If you allow any other person to use the card, we have the right to cancel your HealthyFood benefit and your Vitality membership. The Vitality Pick n Pay HealthyFood card is not a credit, debit or guarantee card. It may only be used for allocating cash back on purchases at the partner stores. Only one Vitality Pick n Pay HealthyFood card will be issued per family. These terms and conditions may change at any time. The card is and remains our property at all times.

4 Earn Vitality points You can earn 20 Vitality points for every HealthyFood item you buy at Pick n Pay or Woolworths. The How Healthy is your Basket tool will show you exactly how healthy your food choices are every month. We will deduct 20 points for every unhealthy item you buy. The least amount of points you can earn is zero. You can never have a negative points value in a month. HealthyFood purchases can earn you a maximum of Vitality points each month which adds up to Vitality points a year. Your cash back is based on your Vitality points and your spending The amount of the cash back is based on the number of Vitality points that you have, as well as the amount you spend at the partner stores. The starting point for working out your cash back is the number of Vitality points that you have. To work out how much cash back you can get, we apply your qualifying discount percentage to your HealthyFood spend in the month. The percentage is 10%, 15% or 25% depending on the health assessments you have completed. As a family, you get cash back on a maximum of R4 000 a month that you spend on HealthyFood. As a single member, you get cash back on a maximum of R2 000 a month that you spend on HealthyFood. Your HealthyFood spend that you get cash back on is also limited to the number of Vitality points you have for the year. Vitality cash back is calculated monthly. To get cash back for the entire period, you must still be eligible for the cash back on the calculation date. The percentage you qualify for over the cash back period is determined on the date of calculation and not the date of purchase.

5 The example below explains how the cash back is calculated for a Vitality family who have activated both the Pick n Pay and Woolworths HealthyFood benefit. The main member and spouse have both found out their Vitality Age and completed Vitality Health Checks. They choose to get up to 25% cash back at their main HealthyFood partner, Woolworths. They choose to get up to up to 10% cash back at Pick n Pay. The monthly limit that a family membership can spend on HealthyFood and earn cash back on is R4 000, up to the value of their Vitality points available January Februar y March Number of Vitality points Total qualifying spend accumulated over the year to date R0 R1 000 R3 500 HealthyFood spend this month at Woolworths R600 R2 200 R1 000 HealthyFood spend this month at Pick n Pay R1 350 R1 350 R1 250 HealthyFood spend on which the cash back is based R1 000* R2 500 R2 250 Up to 25% cash back at Woolworths this month R150 R550 R250 Up to 10% cash back at Pick n Pay this month R40 R30 R125 TOTAL cash back for the month R190 R580 R375 *The member spends less than R4 000 on HealthyFood in January and the cash back is worked out only on R1 000, not R The example below explains how the cash back is calculated for a single Vitality member who has activated both the Pick n Pay and Woolworths HealthyFood benefit. The member has not has not yet found his Vitality Age or completed a Vitality Health Check. He still shops at his main HealthyFood partner. The member gets 10% cash back on a maximum of R2 000 spent on HealthyFood a month at both Pick n Pay and Woolworths, up to the value of his Vitality points available.

6 January February March April Number of Vitality points Total qualifying spend accumulated over the year to date R0 R2 000 R2 800 R4 000 HealthyFood spend this month R2 100 R800 R1 200 R1 200 HealthyFood spend on which the cash back is based R2 000* R800 R1 200 R1 200 Cash back for the month R200 R80 R120 R120 * The member spends more than R2 000 on HealthyFood in January and the cash back is worked out only on R2 000, not R The example below explains how the cash back is calculated for a Vitality family who have activated both the Pick n Pay and Woolworths HealthyFood benefit. This example is based on a family who shop at their main HealthyFood partner. Both the main member and spouse have found their Vitality Age and completed a Vitality Health Check. The family gets up to 25% cash back on a maximum of R4 000 they spend on HealthyFood a month, up to the value of their Vitality points earned. In March, the family s total spend on HealthyFood for the year is R6 000 and they only have a total of Vitality points for the year. January Februar y March April Number of Vitality points Total qualifying spend accumulated over the year to date R0 R3 500 R6 000 R7 000 HealthyFood spend this month R3 500 R2 500 R3 200 R3 600 HealthyFood spend on which the cash R1 R3 500 R2 500 back is based 000* R3 600 Cash back for the month R875 R625 R250 R900 * So, they only get their HealthyFood cash back on R1 000 and not on the full R3 200 they spent in March (7 000 points R6 000 = cash back of 25% of R1 000). To make sure they can continue to get cash back, the main member and spouse both completed a find out their Vitality Age or completed a Vitality Health Check and each earned Vitality points. So, they could once again buy and get cash back on HealthyFood in April.

7 Paying your cash back You tell us where you want your cash back to go. We can pay it into any of the following accounts: -Your chosen bank account. -Your Discovery Card. -Your Health Wallet. Make sure the account details are correct It is your responsibility to make sure that the account details you give to us are correct and valid. If your account details change, please go to or call us on All HealthyFood cash back is paid into the same account All Vitality Healthy cash back benefits that you have will be paid into the account, including for HealthyLiving, Vitality Fit and Team Vitality. For family memberships, we pay into one account and not to individual family members who hold a HealthyFood card. When we pay the cash back We pay the cash back at various times during a month. These are not set times and we have the right to wait to pay cash back if it is below R50. Money we hold back does not earn interest. We may change this minimum amount at any time. We will send an SMS to you when we pay a cash back. You can also view a summary of your cash back on We do not send statements that show your cash back. Tax on cash back You might have a duty to pay tax on the cash back you earn. It is your responsibility to speak to a tax practitioner to get advice.

8 We are not responsible for any consequences if you fail to get the advice or if you fail to pay the applicable tax. The products that qualify for cash back All HealthyFood items are identified as VIT or V on your till slips. Look out for the Vitality HealthyFood stamp on shelf labels in-store to identify HealthyFood items. Refer to the Pick n Pay and Woolworths HealthyFood catalogues on for a full list of HealthyFood items. Products listed in these catalogues can change at any time. The Pick n Pay and Woolworths HealthyFood online catalogues Discovery Vitality bases its principles on the most current policies and guidelines from local and international bodies. Vitality does recognise that there is always new scientific evidence being reviewed and we make sure that healthy promotions policies align with the latest guidelines. We follow these recommendations when setting criteria for foods which are part of the Pick n Pay and Woolworths HealthyFood catalogue. The approved products represent the healthiest choices within each food group and, when taken in the required quantities, all form part of a healthy balanced diet. The product selection process for the HealthyFood benefit is constantly under review and we may therefore revise our position, depending on scientific and industry developments. Products listed in the online catalogues are subject to seasonal and supplier availability and may only be available at certain Pick n Pay and Woolworths stores. The HealthyFood benefit is for personal household use only. We decide which products qualify We decide which products qualify for the HealthyFood benefit and it may change from time to time. Our panel of experts chooses the best foods in each category to promote overall health and wellness.

9 The product selection process is constantly under review and updated according to scientific and industry developments. Products listed in the online catalogue are subject to seasonal and supplier availability and may only be available at certain Pick n Pay and Woolworths stores. You must choose and pay for products listed on the HealthyFood catalogue to earn cash back. Discovery Vitality bases its principles on the most current policies and guidelines from local and international bodies. Vitality does recognise that there is always new scientific evidence being reviewed and we make sure that healthy promotions policies align with the latest guidelines. We follow these recommendations when setting criteria for foods which are part of the Pick n Pay and Woolworths HealthyFood catalogue. The approved products represent the healthiest choices within each food group and, when taken in the required quantities, all form part of a healthy balanced diet. The product selection process for the HealthyFood benefit is constantly under review and we may therefore revise our position, depending on scientific and industry developments. Online shopping Remember, you can also get your HealthyFood cash back when you shop from home at Pick n Pay or Woolworths online at or Earn more Discovery Miles by using your Discovery Card You can multiply your Discovery Miles up to ten times if you pay with your Discovery Card at Pick n Pay. Just simply activate the Discovery Miles benefit (for an annual fee) to start enjoy this reward. Miles, limits, terms and conditions apply. Ending this benefit If your Vitality membership ends, you may no longer use the Vitality HealthyFood benefit and your accumulated cash back will be forfeited.

10 You may still have access to a HealthyFood benefit in one of these cases: If you join Remedi Medical Scheme through the company you work for, you can use the HealthyFood Saver benefit. This benefit has a separate set of terms and conditions and the Vitality HealthyFood terms and conditions do not apply. If you have a KeyCare Health Plan and join KeyFIT, you can use the KeyFIT HealthyFood benefit. This benefit has a separate set of terms and conditions and the Vitality HealthyFood terms and conditions do not apply. If you move to one of the two options above within 30 days of ending your Vitality membership, we will automatically activate the HealthyFood benefit if you used it on Vitality. If you join through these options more than 30 days after ending your Vitality membership, you must activate the HealthyFood benefit again. Stay in touch Terms and conditions apply. If you have any questions or need more information about this benefit, please visit and click on Vitality or call If, for any reason, there is a conflict between rules in this benefit guide and the Vitality Main Rules the Vitality Main Rules will apply at all times. Keep up to date with the latest news from Vitality: Download the Discovery app, follow Discovery Vitality on (@Discovery_SA) and (DiscoverySA). Updated 18 November 2015